For Institutional Partners

Learn how our data and services can benefit your corporate or government consumer program.

Serv Inc. has built a structured investigation methodology around the same regulatory frameworks your compliance team works under every day: RESPA, FDCPA, FCRA, TILA, FLSA, and the state and federal arbitration statutes that govern private dispute resolution. We have used it on thousands of consumer documents and produced findings that financial institutions, employers, and regulators have all had to take seriously.

The data we generate, the workflows we have proven out, and the framework we operate under are available to institutional partners under custom engagement. Below is what we offer, what we have learned in the field, and how a partnership begins.

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Find what is relevant to you: select your organization type below.
Featured Partnership
HUD-Approved Housing Counseling Agency
Your agency is required by regulation to maintain community resource referral relationships for client needs you cannot address directly. Serv Inc. fills the specific gap most agencies are missing: independent servicer-conduct review and regulatory documentation support. A Letter of Understanding costs nothing and goes directly into your compliance file.
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Community Partner
Nonprofits, Legal Aid & Housing Orgs
Referral-based partnership for organizations that serve consumers facing housing and debt challenges. Route your clients into our investigation framework with volume-based rates.
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Financial Institution
Banks, Servicers & REITs
Compliance tooling, consumer intake systems, and investigation frameworks built for financial services organizations with regulated portfolios.
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Employer
Employers & Workforce Programs
Serv Inc. membership as an employee financial wellness benefit. Volume pricing for organizations offering access to 50 or more employees.
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Compliance & Legal
Compliance, Legal & Risk Teams
Training programs on RESPA, FDCPA, FCRA, and FLSA for legal, HR, and compliance teams. Delivered by people who have examined these frameworks from every side of the table.
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Neutral By Design

We don't take sides. We measure the gap.

Every actor operates on policy and procedure. Compliance is what the law requires. Between the two sits a gap: what an organization's procedures actually do versus what the statutes demand. Serv Inc. measures that gap with one standard, applied the same way to every party in every role. That is why a servicer, an employer, and a consumer can all retain us, and why our findings hold up regardless of who commissioned them.

Four Engagement Models

Choose the partnership that fits your scope.

Every Enterprise engagement is custom-scoped. No two institutional needs are the same, and we do not pretend otherwise. The four models below describe the kinds of partnerships we build.

01 · Community Partner

Community Partner Program

A referral-based partnership for community organizations whose work centers on consumer defense and housing assistance. Partner organizations route the consumers they serve into the Serv Inc. investigation and dispute resolution framework. Two funding pathways are available: organizations that can underwrite the service for their constituents do so directly, and where consumers pay for the service themselves, volume-based rates are negotiated based on the partnership's referral volume.

Typical fit: Housing counselors · legal aid · tenant defense organizations · CDFIs · nonprofit consumer advocacy · municipal consumer protection programs
02 · Product Development

Financial Institution Product Development

Compliance tooling, consumer intake systems, and investigation frameworks built specifically for financial services organizations. Designed for institutions that need internal-facing audit capability or consumer-facing dispute resolution that actually closes loops, not portals that file complaints into a void.

Typical fit: Banks · servicers · REITs · credit unions · fintechs with regulated portfolios
03 · Workforce Benefit

Employee Financial Wellness Benefit

Serv Inc. membership offered as a financial wellness benefit through your HR program. Volume pricing for employers offering access to fifty (50) or more employees. A practical benefit for workforces facing real consumer financial pressure (mortgage stress, debt collection, wage disputes) that standard EAPs do not address.

Typical fit: Employers with 50+ headcount · unions · benefit consortiums · gig-economy platforms
04 · Training & Consulting

Corporate Training & Consulting

Training programs on RESPA, FDCPA, FCRA, FLSA, and consumer protection frameworks for legal, HR, and compliance teams. Delivered by people who measure these frameworks from every side of the table, the vantage point most teams never see until a gap surfaces in a formal proceeding. Engagements range from one-time workshops to ongoing advisory relationships.

Typical fit: Compliance teams · in-house legal · HR & payroll · risk management · internal audit
Findings From the Field

What we have actually seen.

These are anonymized findings from real Serv Inc. cases: the recurring gaps between policy, procedure, and what the statutes actually require. We surface them the same way no matter who is involved: an institution can use them to close exposure, a consumer to document a dispute, a regulator to understand a pattern. The measurement does not change with the audience.

Complaint Outcomes
100%
Met with a response that fell short of the standard. Across the cases Serv Inc. has examined, the institution's response to a consumer complaint did not, on the record, satisfy what the governing statute requires. The gap between the response given and the response owed was present in every file, which is precisely what a neutral examination is built to measure.
Securitization & Title
100%
Structural defects identified in every mortgage file. Securitization trust irregularities, pooling-and-servicing-agreement gaps, and chain-of-title defects appeared in every mortgage case examined. The pattern is structural, not incidental. It is the kind of thing only a document-level examination surfaces.
QWR Responses
100%
Below the statutory standard. Every Qualified Written Request response reviewed in our sample fell short of the substantive, statute-compliant explanation RESPA requires. Boilerplate is not the same as compliance, and the difference is measurable.
Scale of the Gap
$Billions
In disputed and unsubstantiated activity each year. Extrapolated across the market, the patterns Serv Inc. measures point to billions of dollars a year moving on actions (foreclosures, denials, uncorrected errors) that the underlying record does not substantiate.
Dual Tracking
100%
Action continued while a dispute was open. In every foreclosure file examined, the foreclosing party proceeded while a documented dispute or QWR remained unresolved. RESPA's dual-tracking limits exist precisely to close that gap.
Why Serv Inc.

Built by people who have sat on both sides of the table.

Serv Inc. was founded by a credentialed neutral arbitrator and built by a team whose experience spans internal audit, financial institution research, regulatory compliance training, dispute resolution, and consumer protection law. Our institutional knowledge is the structural advantage of every engagement we take.

FINRA
FINRA Neutral Arbitrator Designation
Founder holds active roster status with FINRA Dispute Resolution Services as a credentialed neutral arbitrator. Note: this is a personal designation; Serv Inc. is not a FINRA-regulated entity and FINRA does not supervise its services.
Regulatory
RESPA · FDCPA · FCRA · TILA · FLSA
Working command of the federal frameworks governing mortgage servicing, debt collection, credit reporting, lending disclosure, and wage-and-hour law, plus applicable state law in every jurisdiction we serve.
Audit
Internal Audit & Compliance Training
Internal audit, quality auditing, financial institution research, corporate social responsibility, and regulatory compliance training experience. Publisher of The Corporate Critic, a weekly newsletter monitoring the regulation of commerce to protect consumers.
ADR
Dispute Resolution & Case Management
Document pattern analysis across mortgage servicing, debt collection, QWR non-compliance, chain of title defects, FDCPA/RESPA violations, and FLSA wage claims. Institutional knowledge of how financial actors prepare, and fail to prepare, for formal dispute proceedings.
How a Partnership Begins

Four steps. No surprises.

STEP 01

Discovery Call

Thirty minutes. We learn about your organization, the population you serve, and the use case you are evaluating. No commitment.

STEP 02

Scoping

We draft a scoping document defining deliverables, timeline, success metrics, and pricing. You review with your team and counsel before any agreement is signed.

STEP 03

Custom Agreement

A bespoke engagement agreement reflecting the scoped work. Annual contracts, milestone-based deliverables, custom SLAs, and confidentiality terms drafted to your institution's standard.

STEP 04

Execution

Dedicated account team, regular reporting cadence, and the support of the full Serv Inc. methodology. Engagement scaled to the scope you signed up for, not a template.

For Housing Counseling Agencies

A partnership that helps your agency do more for every client.

HUD-approved housing counseling agencies are required by regulation to maintain working relationships with community resources that can address client needs the agency cannot meet directly. Serv Inc. fills the specific gap your agency is most likely to encounter: homeowners whose servicer conduct may not hold up under the governing statutes, a question no amount of counseling alone can resolve.

Benefit 01

Stronger Compliance Posture

A signed Letter of Understanding with Serv Inc. goes directly into your community resource compliance file. It documents an established working relationship with a non-industry, independent investigation and dispute-resolution organization, satisfying one of the most commonly underdeveloped requirements in a HUD performance review.

Benefit 02

Better Outcomes for Your Clients

Clients you refer to Serv Inc. receive independent review of their servicer's account records, documentation measured against RESPA, TILA, FDCPA, and FCRA, and ongoing dispute-resolution support. When those clients avoid foreclosure, that outcome is traceable to your referral and reportable in HUD's Housing Counseling System.

Benefit 03

No Cost or Conflict for Your Agency

There is no fee to execute a Letter of Understanding and no referral-fee arrangement of any kind. Clients you refer begin with a free claim evaluation; those who choose to proceed become members who pay Serv Inc. directly. Your agency carries no financial exposure and no conflict-of-interest concern. The arrangement is clean, documented, and designed to hold up under review.

Benefit 04

Extended Case Depth

A client referred to Serv Inc. does not disappear from your caseload at counseling close. The referral keeps the case active with a documented resource in play. That extends your agency's average case depth metric and demonstrates to HUD that your counseling program produces substantive outcomes, not just session counts.

Benefit 05

Independent, Not Competitive

Serv Inc. does not provide housing counseling. We do not duplicate what your agency does. We address the servicer-conduct and regulatory-compliance layer that falls outside your statutory scope. The relationship is complementary by design, which means there is no overlap, no confusion, and no risk of a client receiving conflicting guidance from two sources.

Benefit 06

Documented Community Resource on File

HUD performance reviews evaluate whether your agency can demonstrate active community resource referral relationships. A signed Letter of Understanding with Serv Inc. is a one-page document that answers that question for the specific category of client need your agency is least likely to have covered: independent servicer dispute and regulatory violation support.

What the regulation actually requires

These are not aspirational standards. They are mandatory conditions of HUD approval. An agency that cannot demonstrate a working community resource referral network is not in compliance. Serv Inc. exists precisely in the gap these provisions were designed to fill.

24 CFR § 214.103(j)
Agencies must maintain established working relationships with community resources for client needs they cannot address directly.
24 CFR § 214.300(b)(2)
Referrals to local, state, and federal resources are a required basic service for every client.
24 CFR § 214.303(e)
When a client's need falls outside the agency's scope, referral to another resource is mandatory.
Why RESPA Never Appears in HUD's Action Plan to Prevent Foreclosure
The Corporate Critic · Serv Inc. Research
Why RESPA Never Appears in HUD's Action Plan to Prevent Foreclosure
HUD's foreclosure prevention framework identifies dozens of intervention strategies. RESPA, the statute governing the servicer conduct most responsible for wrongful foreclosures, is not among them. This analysis examines why the most powerful consumer protection tool in mortgage servicing is systematically absent from the program designed to use it.
Read the article →

Ready to establish the relationship?

Download our Community Resource Profile to place in your agency's referral file, or download the Letter of Understanding template to review before reaching out. Both documents are designed to be compliance-ready from the first page.

↓  Community Resource Profile Request the Letter of Understanding
Get Started

Bring this to your organization.

Enterprise engagements are scoped to your organization, and our standard service options and flexible pricing are published at servincorporated.com/pricing. The right place to start is a thirty-minute discovery call. We will learn what you are working on, you will learn whether we are the right partner, and the next step (or no next step) will be clear by the end of it.

Schedule a Discovery Call
Or email icd@servincorporated.com · (888) 899-9372